Carroll EMC - Residential Energy Efficiency Loans

September 02, 2010


Carroll Electric Membership Corporation (EMC) is an electric cooperative that serves 50,000 members in West Georgia, including customers in Carroll, Floyd, Haralson, Heard, Paulding, Polk and Troup counties. Carroll EMC offers two energy efficiency loan programs for customers with existing homes: The Energy Resources Conservation (ERC) Loan Program is designed for customers who want to improve the efficiency of their homes through weatherization and efficient heat pumps. This loan offers members $100 to $1,500 for weatherization needs and up to $4,000 for a high-efficiency heat pump. The loan is offered at a fixed interest rate, for up to five years, with no prepayment penalty. For larger measures, Carroll EMC offers the Energy Conservation (EC) Home Loan Program. This loan will lend residential customers up to $15,000 for the installation of an electric HVAC system, a water heater or other high-efficiency home improvement measures. All loans offer a fixed interest rate and a 5-year term for loans under $5,000 and 10-year term for loans over $5,000. There is no application fee, down payment or prepayment penalty. This loan is initiated through a participating contractor. For more information on participating contractors, current interest rates, and how to apply for these loan programs, contact Carroll EMC.

Program Overview

Implementing Sector: Utility
Category: Financial Incentive
State: Georgia
Incentive Type: Loan Program
Web Site:
Administrator: Carroll Electric Membership Corporation
Start Date:
Eligible Renewable/Other Technologies:
  • Equipment Insulation
  • Water Heaters
  • Heat pumps
  • Air conditioners
  • Caulking/Weather-stripping
  • Duct/Air sealing
  • Building Insulation
  • Yes; specific technologies not identified
Maximum Loan: Energy Resources Conservation: $5,000 total
Energy Conservation: $15,000
Loan Term: Rate: not specified
Energy Resources Conservation Repayment: 5 years
Energy Conservation Repayment: 5 years (loans under $5,000) ; 10 years (loans over $5,000)


Name: Customer Service - Carroll EMC
Organization: Carroll Electric Membership Corporation
Address: Highway 113 North
Carrollton GA 30117
Phone: (770) 832-3552

This information is sourced from DSIRE; the most comprehensive source of information on incentives and policies that support renewables and energy efficiency in the United States. Established in 1995, DSIRE is operated by the N.C. Clean Energy Technology Center at N.C. State University.